20 days on market (MLS)Single Family Residence▼ Price cut: $27,900 (10/1)
$350,000
4-Bedroom Home in WATERSTONE PHASE THREE
5223 Vespera Street, Fort Pierce, FL 34951
Single Family Residence in WATERSTONE PHASE THREE, Fort Pierce · No CDD on record · Built 2026
WATERSTONE PHASE THREE · Fort Pierce, FL 34951 · St. Lucie County
Listing data updated October 13, 2026 at 11:02 AM ET · checked against the MLS hourly
4Bedrooms
2Bathrooms
1,820Sq Ft
2026Year Built
$192Per Sq Ft
2-car garageNo CDD on record4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
3% above
$/sq ft vs community
$192 here vs $187 median sold (12 mo)
Buyer leverage
Seller-leaning
20 days on market
3.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 13, 2026, 5223 VESPERA Street in Waterstone Phase Three, Fort Pierce is listed at $350,000 (1,820 sq ft, about $192 per sq ft). That sits within a few percent of Waterstone Phase Three's median closed sale of $310,750 over the last 12 months (32 recorded sales). It has been 20 days on market, well inside the community's typical 100 days. Listing facts: built in 2026, HOA dues of $12/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2026
1,820 sq ft of living area
2-car garage
Listed at $350,000 — recent neighborhood median sale price ~$310,750 (nearby sales; deemed reliable, not an appraisal)
20 days on market
HOA $12/mo (per listing)
Listing description
About this home
MOVE-IN WINTER 2026! Discover the excitement of owning a BRAND-NEW CONSTRUCTION HOME! Secure this home with ONLY a $1,000 deposit & SAVE THOUSANDS in closing costs with our preferred lender!
This beautifully designed 4bed, 2bath, 2car garage home features an OPEN FLOOR PLAN WITH LARGE KITCHEN & HIGH CEILINGS -perfect for everyday living and entertaining. The inviting owner's suite offers a generous walk-in closet, dual sinks, separate tub & shower. Enjoy the sun in the shade of your covered patio!
Experience the WATERSTONE LIFESTYLE with exceptional amenities -including a clubhouse, large heated pool, fitness room, tennis, pickleball, sand volleyball, meeting room, indoor and outdoor children's play areas. Hop on I-95 to beaches,dining, golf & outlet shopping! Schedule your tour today!
All 36 photos
Description provided by Adams Homes Realty Inc and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$350,000
Bed / bath4 / 2
Living area1,820 sq ft
Year built2026
Property typeSingle Family Residence
Garage2-car
MLS #B26079417
Listing status20 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~21 ft
CountySt. Lucie
Area listings31 active · 5 under contract
Estimated first-year tax~$3,675/yr
CDD assessmentNone on record
HOA$12/mo
Calculated estimates
Price per sq ft$192
Estimated monthly payment$2,349
Insurance (illustrative)$1k–$2k/yr
Messtimate range$391,300 – $405,860
Comparable-sales median$310,750
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,349/mo
Principal & interest $1,939/mo83%
Taxes $306/mo13%
Insurance $92/mo4%
HOA $12/mo1%
$2,349/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is $2,313/yr per the MLS listing record (TaxAnnualAmount, 2026-10-13). Florida reassesses at sale, so a buyer's first bill is usually higher than the seller's; the county millage here is not verified, so no reset figure is printed.
HOA dues
$12/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Saint Lucie County is $2,332/yr (2,890 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$1,500/yr; neither is a quote.
Roof and age
Built in 2026. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated carrying cost at the asking price, before the mortgage: about $399/month (tax $193, HOA $12, insurance $194). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,675/yr
Estimate: a typical St. Lucie effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$12/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~21 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
St. Lucie County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for St. Lucie County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningVery High
Strong windRelatively High
DroughtRelatively Moderate
HailVery Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · WATERSTONE PHASE FOUR
Pricing & the WATERSTONE PHASE FOUR market
How this home is priced against recent nearby sales, and where WATERSTONE PHASE FOUR has been over 25 years. Momentum Research analysis of Beaches MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in WATERSTONE PHASE FOUR
Each dot is a closed sale since 2024 (49 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). BeachesMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2024–2026. This home lists at $192/sq ft.
Median sale price by year
12-month median closed price, 2024–2026.
Property timeline
This home’s history
2026BuiltPer public record
About Sep 2026Listed (per MLS)MLS reports 20 cumulative days on market as of October 13, 2026
Sep 23, 2026First seen on movewithmomentum.comObserved at $377,900
Oct 1, 2026Price cut$350,000 (-$27,900, -7.4%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $350,000Momentum Realty · on market 20 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in WATERSTONE PHASE THREE in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Sep 2026
$390,652
5530 Lugo Street, Fort Pierce
4 / 2 bd/ba · 1,820 sq ft · $215/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Sep 2026
$390,652
5530 Lugo Street, Fort Pierce
4 / 2 bd/ba · 1,820 sq ft · $215/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Jul 2026
$406,000
8845 Waterstone Boulevard, Fort Pierce
4 / 2 bd/ba · 1,820 sq ft · $223/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Jul 2026
$406,000
8845 Waterstone Boulevard, Fort Pierce
4 / 2 bd/ba · 1,820 sq ft · $223/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Aug 2026
$391,000
5739 Waterstone Boulevard, Fort Pierce
3 / 2 bd/ba · 1,780 sq ft · $220/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Aug 2026
$391,000
5739 Waterstone Boulevard, Fort Pierce
3 / 2 bd/ba · 1,780 sq ft · $220/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Median of these 6 sales: $310,750 ($187/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$391,300the mess$405,860
Stronger local evidence — 6 comparable closed sales in WATERSTONE PHASE THREE, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $350,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 4% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $12/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 20 days on market vs. a 100-day community median
27 active listings competing, 8 under contract
≈3.8 months of supply
12 closed here in the last 12 months
For reference, this home is listed at $350,000 ($192/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,820 sq ft × $215–$223/sq ft (interquartile band of 6 comparable closed sales in WATERSTONE PHASE THREE, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 13, 2026.
Momentum Scores
Momentum Property Score
46/100
Strongest on: Pricing power (75), Price vs area (43)
0 limited50100 exceptional
46/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area43
This home $192/sq ft vs the community 12-month median $187/sq ft.
Affordability29
List price $350,000 vs the community median $310,750. Not a measure of personal affordability.
Market liquidity37
Community median 100 days on market, ~3.8 months of supply (12-month record).
Pricing power75
Recent sales closed at about 92.9% of original asking (~7.1% below). More room below asking generally favors buyers.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $192 per square foot, about 3% above the community’s $187 median. WATERSTONE PHASE FOUR’s 12-month median sold price per square foot is $187. Median sold price per square foot is down 5.9% year over year. Confidence: Very High · 32 closed sales in 12 monthsMLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent WATERSTONE PHASE FOUR sales closed near 92.9% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of BeachesMLS records, community-level, 12 months ending August 10, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 31 active listings in WATERSTONE PHASE FOUR, no CDD assessment.
Updated October 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Adams Homes Realty Inc · MLS # B26079417
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Keep looking
Similar homes for sale near WATERSTONE PHASE THREE
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Development
Port St. Lucie board considers rezoning for up to 1,200 homes at Wilson Grove
The Planning and Zoning Board took up a rezoning of nearly 360 acres of agricultural land north of SW Becker Road, between SW Sundance Vista Boulevard and Rangeline Road, to a master planned unit development. The concept plan allows up to 1,200 homes plus parks, lakes and clubhouses. City Council would vote later in October.
Why it matters: Up to 1,200 new homes in western Port St. Lucie would add housing supply and increase traffic demand on Becker Road. The project is about 18 miles south of Waterstone, elsewhere in St. Lucie County.
Buc-ee's at I-95 and Indrio Road finishes county planning, awaits state approvals
The planned travel center would be about 76,000 square feet with roughly 120 fuel pumps at Interstate 95 and Indrio Road near Fort Pierce. County planning is complete, but FDOT and DEP approvals are still needed. Nearby proposals include Indrio Town Center on about 85 acres and Indrio Groves with more than 3,000 homes.
Why it matters: A large travel center would add retail and fuel access at the I-95 interchange and draw further development interest along Indrio Road. The site is about 3 miles southeast of Waterstone.
Indian River County weighs proposed third hospital near State Road 60 and 66th Avenue
Commissioners discussed a proposed hospital of about 250,000 square feet and five stories on a 75-acre holding near State Road 60 and 66th Avenue in Vero Beach. Current limits are 35 feet and 60,000 square feet, so a special exemption and comprehensive plan changes would be needed. No approval has been given, and the board planned to revisit it October 6.
Why it matters: A western hospital campus would add healthcare capacity and could shorten emergency response times for western Vero Beach, if approved. The site is about 6 miles northwest of Waterstone.
St. Lucie County reviews updated Port of Fort Pierce master plan with mega-yacht marina and spaceport recovery facility
The 2026 master plan for the Port of Fort Pierce proposes a mega-yacht marina, a spaceport recovery facility, expanded boat ramps and restaurants, with a marine commercial district at Harbour Pointe. County officials say nearly 15,000 registered boats compete for 147 trailer parking spaces near the inlet. The plan is under county review and Fort Pierce holds final approval.
Why it matters: Added boat ramp parking and marine commercial space would expand waterfront access and dining options near the Fort Pierce Inlet over a multi-year timeline. The site is about 8 miles southeast of Waterstone.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in St. Lucie County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEB
Lakewood ParkAssigned elementary school · St. Lucie County School District · Grade B (Florida DOE 2025-26)
OsloAssigned middle school · St. Lucie County School District
GRADEC
Fort Pierce CentralAssigned high school · St. Lucie County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 5223 VESPERA Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2026: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $12/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in St. Lucie County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,820 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,675/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
BeachesMLS, checked against the MLS hourly (last: October 13, 2026)
Comparable sales
BeachesMLS closed sales in WATERSTONE PHASE THREE, last 18 months, as of August 10, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of BeachesMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 5223 VESPERA Street and when was it built?
Per the listing record, 5223 VESPERA Street was built in 2026 and has 1,820 sq ft of living area, 4 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 5223 VESPERA Street in?
5223 VESPERA Street is in Waterstone Phase Three in Fort Pierce, St. Lucie County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 5223 VESPERA Street have an HOA, and how much are the dues?
The listing reports HOA dues of $12 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 5223 VESPERA Street differ from the current owner's?
The estimate on this page (about $3,675 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 5223 VESPERA Street in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 5223 VESPERA Street in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
